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insurance conundrum

Started by richy244, July 01, 2019, 04:04:29 PM

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richy244

Hi there
Im looking to move into a motorhome in the next few months but im unsure of whether to get full timing insurance or not. I heard its alot more expensive and some insurers are unwilling to offer it. does anyone have any expereince or advice on this? Regards Rich

Camper_Dan

Greetings & Welcome!

There's a lot of variables involved here that you're not telling us... Like year, make, model, & value of the motorhome, and the value of the contents.

I've never paid over $2500 for a motorhome, and the contents would never be worth over that either, except maybe in sentimental value, which can't be replaced or compensated for anyway.  So a $5000 replacement fund is my insurance policy, along with a $5000 emergency fund.  Plus I have money in the bank if I need it.  So I just have liability insurance, because the insurance company wouldn't pay me diddly anyway.  This choice probably saves me two or three hundred dollars a month, and if I need it, the money is available instantly rather than waiting around for some insurance company to screw me over.

Cheers!


Smiles are extremely contagious,
Pass them on!!!

Camper_Dan

Smiles are extremely contagious,
Pass them on!!!